Answer: Sitting at the closing table waiting for a funding number.
Florida Mortgage Firm offers instant funding. With this option, there are no funding numbers period. After all paperwork has been signed at the closing of a home, many times the buyer and the agent will have to wait around for a funding number to be issued by the lender before the title company can disburse funds. This means the buyer(s) can find themselves waiting around for the keys, twiddling thumbs, humming tunes, staring at the agent or the ceiling.
With the no funding numbers option … The client signs. The client is funded. BOOM!